Post-Bankruptcy Education Statement
Consumer Credit of Des Moines offers you the opportunity to fulfill your post-bankruptcy education course requirement by completing our online course called "Money in Motion." A certified credit counselor will supervise the "Money in Motion" online courses. Our counselors have completed the certification program offered by Fincert.org Center for Financial Certifications and or AFCPE. You may email any questions you have regarding "Money in Motion" to [email protected] and receive a response to your questions within 24 business hours. In addition, you will be able to submit questions online while you are taking the "Money in Motion" online course, and will receive a response to questions submitted this way within 24 business hours as well.
We will ask you to voluntarily fill out basic demographic information. We will not disclose any such information that you provide orally or in writing to anyone, except as authorized by you in writing, or as required by law. We do not sell information about you to any third-party, and will not do so without your prior written permission. We may disclose certain information to the United States Trustee in connection with the United States Trustee's oversight of us, or during the investigation of complaints, during on-site visits, or during quality of service reviews. We may compile data in aggregate form; however, your information will not be disclosed in any manner that would personally identify you. The United States Trustee has reviewed only our post-bankruptcy education course and our pre-bankruptcy counseling services as an approved credit counseling agency pursuant to 11 U.S.C. 111(d), and has neither reviewed nor approved any other services or programs we provide to debtors.
To help cover the cost of providing this post-bankruptcy education program, a fee of $25.00 is charged for a single person or joint filers. In limited circumstances you may be eligible to have this fee waived in its entirety, including the cost of the certificate of completion. We will not deny service due to an inability to pay. The fee is waived with proof that your filing fees were waived or that your household income is less than 150 percent of the poverty guidelines established by the US Department of Health and Human Services. If you believe that you qualify for a fee waiver, please click on the link to the Fee Waiver Calculator at the bottom of the page. You will be asked to input your household size and income information, and if you qualify for a waiver you will be directed to call our toll-free number listed on the calculation screen to complete the registration process. If you do not qualify for a waiver, you will need to return to this page and click the box at the bottom to confirm that you have read this disclosure before you can register for the online course. For more information on fee waivers call 800-955-5765.
After completing the Money in Motion online course, we are obligated to provide you with a certificate of course completion promptly. You will need to provide us with your bankruptcy case number for this certificate. You will only receive a certificate if you complete the course. If you are dissatisfied with the service provided by our agency you can utilize the Complaint Resolution Process.
Consumer Credit of Des Moines is a non-profit agency, organized and operating in accordance with Section 501(c) (3) of the Internal Revenue Code. Since 1987 we have been educating consumers and clients about money management and credit. We are a member of the Financial Counseling Association of America (FCAA) and comply with its high standards of quality counseling and education. In addition, Bureau Veritas Certification North America, Inc., accredits us through the ISO 9001 program. This is an independent third-party organization that reviews and monitors entities that provide social services. We do not pay or receive referral fees or other consideration for referrals of debtor students to our agency. We do not offer bilingual instruction or professional interpreter assistance. If you should need these services, you may find an organization that offers them by visiting the United States Trustee's website at: http://www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm.
We currently offer the post-bankruptcy debtor education course for IA and MN residents.
Sincerely,
Tom Coates
Tom Coates, Executive Director
Consumer Credit of Iowa
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